{"id":18991,"date":"2025-10-04T22:56:42","date_gmt":"2025-10-04T17:26:42","guid":{"rendered":"http:\/\/43.205.138.160\/?post_type=article&p=18991"},"modified":"2025-10-04T22:56:42","modified_gmt":"2025-10-04T17:26:42","slug":"upi-%e0%a4%a8%e0%a4%bf%e0%a4%af%e0%a4%ae-%e0%a4%94%e0%a4%b0-%e0%a4%95%e0%a4%82%e0%a4%aa%e0%a5%8d%e0%a4%b2%e0%a4%be%e0%a4%af%e0%a4%82%e0%a4%b8-%e0%a4%85%e0%a4%aa%e0%a4%a1%e0%a5%87%e0%a4%9f-%e0%a4%95","status":"publish","type":"article","link":"https:\/\/signalz.pro\/article\/upi-%e0%a4%a8%e0%a4%bf%e0%a4%af%e0%a4%ae-%e0%a4%94%e0%a4%b0-%e0%a4%95%e0%a4%82%e0%a4%aa%e0%a5%8d%e0%a4%b2%e0%a4%be%e0%a4%af%e0%a4%82%e0%a4%b8-%e0%a4%85%e0%a4%aa%e0%a4%a1%e0%a5%87%e0%a4%9f-%e0%a4%95\/","title":{"rendered":"UPI \u0928\u093f\u092f\u092e \u0914\u0930 \u0915\u0902\u092a\u094d\u0932\u093e\u092f\u0902\u0938 \u0905\u092a\u0921\u0947\u091f \u0915\u0947 \u092c\u0940\u091a Paytm \u092b\u093f\u0930 \u0938\u0947 \u0938\u0915\u094d\u0930\u093f\u092f \u2014 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u093e \u0928\u091c\u0930\u093f\u092f\u093e \u0915\u094d\u092f\u093e \u0939\u0948?"},"content":{"rendered":"

UPI Rules aur Compliance Update ke beech Paytm phir Se Action Mein \u2014 Investor View kya hai?
\n<\/u>
\nPAYTM: Daily Technical Chart Analysis
\n<\/strong>Trend Structure:
\nThe daily chart for Paytm reflects a sharp bounce from lower levels, with the price recovering strongly from the 1140\u20131150 support zone to close at 1168.00.<\/p>\n

Moving Averages:
\nThe stock, after a pullback, has crossed back above its short-term moving averages (14 EMA, 20 EMA, and 50 SMA), indicating early signs of positive momentum.<\/p>\n

Indicators:
\n<\/strong>RSI (14):\u00a0At 48.2, approaching the neutral line\u2014shows momentum is recovering but hasn\u2019t entered the overbought zone yet.
\nMACD:\u00a0Still negative but histogram appears to be narrowing, indicating selling pressure is easing.
\nParabolic SAR:\u00a0Dots are now below or approaching the price, hinting at a possible short-term reversal.<\/p>\n

Candle Analysis:
\n<\/strong>The last two sessions display strong bullish candles with higher lows and highs, suggesting renewed buying interest after short-term overselling.
\nRange\/Resistance:
\nThe stock faces immediate resistance around 1175\u20131190 (previous swing highs and upper EMAs). Sustained close above this could set up a move toward 1220\u20131250 in the short term.<\/p>\n

Daily Chart Analysis on 04102025<\/a>Fundamental Analysis
\n<\/strong>Business Overview:
\nPaytm is India\u2019s leading fintech and digital payments company, serving over 20 million merchants and boasting over 150 million monthly active users.<\/p>\n

Financials:
\n<\/strong>Market Cap:\u00a0\u20b973,357 crore.
\n<\/strong>Revenue:\u00a0Steady growth, but profit remains under pressure\u2014Paytm has yet to turn consistently profitable on a net basis.
\n<\/strong>ROE:\u00a0-10.8% (last 3 years average), indicating weak profitability.
\n<\/strong>Valuation:\u00a0Trades at 4.9x book value, which reflects growth expectations but also ongoing losses.
\n<\/strong>Recent Corporate Actions:\u00a0Completed \u20b9455 crore rights issue in Sep 2025 to strengthen its balance sheet and invest in payments and lending businesses.<\/p>\n

Business Developments:
\n<\/strong>Recent regulatory clearance for Paytm Payments Services Limited to operate as an online payment aggregator\u2014ending a long period of regulatory uncertainty.
\n<\/strong>The company launched \u201cPaytm Gold Coins\u201d and \u201cPaytm Postpaid Credit Line on UPI\u201d with Suryodaya SFB in September 2025, displaying product innovation and expansion.<\/p>\n

Stock Talk
\n<\/strong>There has been continuous buying in the stock over the past three trading sessions. On the daily chart, Paytm is showing strength by holding the 1140 support level as well as the 55-day EMA, though there is a minor resistance visible near the 1175 level. In yesterday\u2019s session, the stock opened at 1148.40, made a low of 1142.10, a high of 1169.90, and closed firmly at 1168.00.<\/p>\n

In my view, if Paytm sustains above the 1175 level, this becomes a good entry opportunity. The stock appears to be trading in a corrective phase in the short term, but for a long-term perspective, every dip can be considered for new entry. On the upside, if the stock holds above 1175, targets of 1240\u20131250 could be seen.<\/p>\n

Overall, technical momentum has started building up from the support zone; a sustained close above 1175 would confirm the reversal and open room for further upward moves. Risk management remains important \u2013 keep a stoploss below 1140 during trades, and continue to monitor price action for confirmation. This setup favors a buy-on-dips strategy for positional and long-term investors.<\/p>\n

Latest News & Key Events
\n<\/strong>Regulatory Relief:
\nPaytm Payments Services Ltd got the RBI\u2019s in-principle approval to act as a payment aggregator, removing a two-year hurdle and allowing the firm to onboard new merchants again.<\/p>\n

Antfin Stake Exit:
\nChinese investor Antfin fully exited in August 2025, reducing foreign regulatory risks and helping Paytm clear its cap table.<\/p>\n

UPI Migration & User Impact:
\n<\/strong>The National Payments Corporation of India (NPCI) extended the deadline for customers to update old @paytm UPI handles for recurring mandates till October 31, 2025. One-time UPI payments remain unaffected, but users have to update handles for recurring payments.<\/p>\n

Product Launches:<\/strong>
\nNew offerings like \u201cPaytm Postpaid Credit Line on UPI\u201d and digital gold coins are aimed at increasing customer engagement and retention.<\/p>\n

Industry Events:
\nCommentaries signal a focus on compliance, payments, and new innovations after regulatory turbulence<\/p>\n

Other Important Points<\/strong><\/p>\n

Paytm remains a high-growth digital payments platform, but competition from PhonePe, Google Pay, and others keeps pressure on user and merchant acquisition costs.
\nRecent fundraise and regulatory nods strengthen Paytm’s mid-term prospects, though path to net profitability is still a work in progress.
\nAny strengthening above \u20b91200 could trigger fresh price momentum, especially if sustained by volume.<\/p>\n

Disclaimer & Disclosure
\n<\/strong>This analysis is for informational purposes only and should not be considered as investment advice. The information is based on publicly available sources and personal research; accuracy and completeness are not guaranteed. Please consult your financial advisor before making any investment decisions.<\/p>\n

Investing in equities involves risk of capital loss. Kindly do your own due diligence and evaluate your risk profile before investing. The views expressed are personal and for educational purposes only.<\/p>\n

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